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Toggle Insurance Review

Reviews 2
Reviews 2
Ryan Sze
Jul. 07, 2022
3 min read
Ryan Sze
Toggle Summary
Toggle is a technology-focused, digital-era company that offers comprehensive and customizable auto insurance. You can get a quote and get covered online, all without having to get on the phone or talk with a representative. The company offers flexible insurance policies that allow you to purchase extra coverage for pet passengers or car-related side hustles like food delivery or rideshare.


  • Smooth online experience
  • Flexible and comprehensive auto insurance
  • Minimum of complex industry jargon


  • no contact email listed

Toggle at a glance

Editorial score

Insurance Features

24/7 emergency roadside assistance, choose your deductible, mobile claims, AI claims technology

Discounts Available

Multi-policy discounts and bundle discounts, safe drivers

Customer Service

Multiple communication options for support, above average rating

Online Experience

User friendly site, online application, learning resources

Direct Insurer?

Yes, direct insurer

Who Can Benefit From Toggle?

Toggle’s comprehensive and customizable auto insurance policies will be a good fit for you if you have unique coverage needs. In particular, if you frequently drive with a pet or use your car to provide rideshare or grocery delivery services, Toggle can ensure that those activities are covered as well.

Toggle might also be right for you if you want to get insurance without having to go through the hassle of having to speak to an agent on the phone. In general, auto owners who want flexible, fast, and easy-to-obtain insurance can benefit the most from Toggle’s services.

Types of Auto Insurance

Toggle offers the following types of insurance:

Bodily Injury Liability

If you’re at fault in a car accident, this coverage pays for the medical bills incurred by the injured party, yourself excluded. This coverage also pays for legal defense costs if you are sued for the accident. Exact limits will be specified in the Declarations Page of your contract. 

Property Damage Liability

If you’re at fault in an accident, this coverage compensates other parties for the damage you do to their vehicles. Exact limits will be specified in the Declarations Page of your contract.


This coverage pays for the cost of repairs needed to fix your vehicle if you’re involved in an accident. Exact limits will be specified in the Declarations Page of your contract.

Pet Passenger™ coverage

This coverage pays for any medical costs up to $1,000 that may arise if your pet is injured in an accident. 

Toggle On Side Hustle® Auto coverage

This coverage compensates you or other parties (including passengers) in the event that property damage or injuries occur while you are using your car for rideshare or delivery. Hustle covers up to $2,000 per month in lost remuneration, plus $10,000 in legal fees, provided you make less than $25,000 per year from your side hustle. 

Additional Features

In addition to its insurance, Toggle also offers carbon offsets. For a few extra dollars a month, you can help you lower your carbon footprint and offset the environmental impact of driving. Toggle will pass your contribution on to projects that work to reduce greenhouse gases, such as carbon capture, tree planting, and more.

Toggle will also help you transition away from your old insurance company. The company will pay for any termination or change fees associated with canceling your old policy.

How to Apply

Getting Toggle insurance is simple.

  1. Navigate to Toggle’s official website.

  2. Click “Get My Price.” You will be prompted to fill in some demographic information.

  3. Next, you will be asked to customize your coverage. Here, you can adjust the type and amount of coverage you want.

  4. Receive a quote. If you’re satisfied, you can purchase your coverage directly on the website—no extra steps required.

Filing a Claim

Filing an auto insurance claim with Toggle is straightforward. First, navigate to the claims section of Toggle’s website. You’ll then be prompted to log in. Once you do, you’ll need to answer a series of questions relating to the incident. You’ll be asked to provide information on the time, date, and location of the accident, in addition to information like the year, make, and model of the vehicles involved.

Next, you’ll need to provide some demographic information about yourself and any affected third parties—including information about their auto insurance policies, if they happen to be covered. You may also need to provide the names of first responders and a copy of the accident report, if applicable.

The amount of time it’ll take for your claim to be resolved will depend on a variety of factors, such as the nature of the accident, how complex the claim is, and more.

Contact Details

You can reach Toggle’s customer support by submitting an inquiry via their contact form. You can also reach the company by phone, toll-free, at 1-855-864-1530.

Live chat is also available on their website and can be accessed by clicking the purple “Chat” button on the bottom right-hand corner of the website. Note that this button will only display if live chat is available at the moment.

Hours of availability for phone and live chat are not made public.


Toggle is a digital-first auto insurance provider that offers fully customizable car insurance coverage solutions, allowing you to get a quote online without having to speak to an agent. Toggle also offers expanded coverage for pet passengers and special situations like vehicle-related side hustles. You can submit claims directly on the company’s website and can reach out to customer service via phone, live chat, or contact form.

Ryan Sze
Written by
Ryan Sze
Ryan is a freelance personal finance and investments writer, with more than 3 years of experience trading and writing informative financial content. A chemical engineer by degree, Ryan's interest in finance grew out of a love of data science and computational statistics. His byline can be found on well-known sites such as The Motley Fool, Investing In The Web, and Top10.com.

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